Estate planning at Independent Financial
How to protect 12 Independent Financial accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Independent Financial's Customer Care / Estate Services
Phone1-800-460-6634
Toll-Free1-800-460-6634
Mailing Address
7777 Henneman Way, Suite 600, McKinney, TX 75070
Telephone Banking
Lost or Stolen Debit Card
Lost or Stolen Credit Card
Customer Care / Estate Services
Phone1-800-460-6634
Mailing Address
7777 Henneman Way, Suite 600, McKinney, TX 75070
Telephone Banking
Lost or Stolen Debit Card
Lost or Stolen Credit Card
WebsiteLearn more →
Phone1-800-460-6634
Mailing Address
Independent Financial, 7777 Henneman Way, Suite 600, McKinney, TX 75070
Verified Mar 2026
Independent Financial offers 12 consumer accounts that interact with estate planning in distinct ways. Of those, 10 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at Independent Financial can be managed in branch, by mail, and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Independent Financial provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 12 account types at Independent Financial.
View details →When someone dies
Death claim process
Contact Independent Financial's Customer Care / Estate Services to file a claim. 9-step process, 9 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Independent Financial's Customer Care / Estate Services at 1-800-460-6634.
Independent Financial operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. Independent Financial supports both revocable and irrevocable trust accounts for checking, savings, money market, and CD products. Visit any branch with your Certification of Trust or trust agreement, trustee identification, and the trust tax identification number. Existing personal accounts may also be converted to trust ownership with proper documentation.
Yes. A trust can be named as the POD beneficiary on deposit accounts at Independent Financial. You will need to provide the full legal name of the trust, the date of the trust, and the trust tax identification number. Visit a branch or call (800) 460-6634 to set this up.
No. IRA accounts cannot be retitled to a trust. However, you can name a trust as the beneficiary of your IRA. This requires providing the trust name, date, and tax identification number. Keep in mind that naming a trust as IRA beneficiary may affect the distribution timeline for inherited IRA funds, so consult with a tax professional before making this designation.
Yes. All deposit accounts at Independent Financial are FDIC insured. POD beneficiary designations provide separate FDIC insurance coverage of up to $250,000 per qualifying beneficiary. Trust accounts are also FDIC insured based on the number of qualifying beneficiaries, up to the maximum allowed by law.
Independent Financial offers several checking options. Free Checking has no monthly fees or minimum balance. Free Rewards Checking earns interest with no monthly fees. NOW Checking is interest-bearing with a waivable monthly fee. Platinum Checking is designed for customers 50 and older with competitive interest rates and no fees. IntroChecking is a debit-card-only account for first-time customers or those rebuilding their checking history.
Independent Financial operates more than 90 branches across Texas and Colorado. Texas locations span the Dallas-Fort Worth, Austin, and Houston metropolitan areas. Colorado branches are located along the Front Range. Use the branch locator at independent.bank or call (800) 460-6634 to find your nearest location.
Phone1-800-460-6634
Toll-Free1-800-460-6634
Mailing Address
7777 Henneman Way, Suite 600, McKinney, TX 75070
Telephone Banking
Lost or Stolen Debit Card
Lost or Stolen Credit Card
Customer Care / Estate Services
Phone1-800-460-6634
Mailing Address
7777 Henneman Way, Suite 600, McKinney, TX 75070
Telephone Banking
Lost or Stolen Debit Card
Lost or Stolen Credit Card
WebsiteLearn more →
Phone1-800-460-6634
Mailing Address
Independent Financial, 7777 Henneman Way, Suite 600, McKinney, TX 75070
Verified Mar 2026
Estate planning resources for Independent Financial customers
Tools and documents to help protect your Independent Financial accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
Take the Quiz
Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
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